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TERMS OF BUSINESS AGREEMENT Express Car Insurance

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					                     TERMS OF BUSINESS AGREEMENT
                                 Express Insurance Services Ltd

Who regulates us?
Express Insurance Services Limited (FSA register number 311354) is authorised and regulated by the Financial Services
Authority. Express Insurance Services Limited (EISL) is a wholly owned subsidiary of Kwik-Fit Financial Services Ltd,
who are owned by Ageas (UK) Ltd. We are authorised to arrange general insurance.

You can check this on the FSA’s Register at www.fsa.gov.uk/register or by calling them on 0845 606 1234.

How to contact us:
By phone: 0800197 7089
By email: service@expressinsurance.co.uk
By web:    www.expressinsurance.co.uk
By post:   Express Insurance Services, 22 Old Walsall Road, Hamstead, Birmingham B42 1DT

For the servicing and administration of your policy, you will deal with us directly. If you make a claim on your policy, you
may deal directly with the insurance company (s) or ULR Norwich Ltd who administer some claims on our behalf.

Which companies do we deal with?
We select car, motorcycle and van insurance products from a limited range of insurers, including Ageas Insurance
Limited (car and van only). We can only deal with Ageas Insurance Limited for the following types of cover;

         Excess Protection
         Personal Accident
         Replacement Vehicle
         Helmets and Leather

Express Insurance Services Limited (EISL) is a wholly owned subsidiary of Kwik-Fit Financial Services Limited, who are
owned by Ageas (UK) Limited. Kwik Fit Financial Services Limited is a sister company of Ageas Insurance Limited. We
can only deal with certain insurers for the other products we offer. A full list of insurers is available on request.

Which service will we provide you with?
You will not receive advice or a recommendation from us. We will ask some questions to narrow down the selection of
products that we will provide details on. You will then need to make your own choice about how to proceed. Please ask
if you want a list of all the insurers we deal with.

We will not in any circumstances act as an insurer nor guarantee or warrant the solvency of any insurer.

What will you have to pay for our services?
Our fees are in addition to any charge made by the insurer, and are listed below

 Change of vehicle                         £75                    Change of registration                   £25
 Additional Driver                         £50                    Duplicate documents                     £15
 Temporary adjustment (1 – 2 weeks)        £25                    Cancellation within the first 14 days   £40
 Temporary adjustment (3 – 4 weeks)        £50                    Cancellation after the first 14 days    £50
 Modifications                             £40                    New policy administration fee           £100
 Foreign Use                               £25                    Renewal administration fee              £150
 Change of name / address                  £25                    Any other changes                       £25
 Class of use / occupation                 £25




EISL/TOBA/05052011
Premiums generally include a commission which is paid to us by your insurer for arranging your insurance. Occasionally
a policy is arranged with no commission, in such cases we may make a charge in lieu of commission to set up / adjust or
renew your policy. These charges will be in addition to our standard charges detailed above. Where this occurs we will
detail these charges to you.

If you pay your insurance by instalments, an interest charge and finance arrangement fee of £30 will apply. We will tell
you your payments and the interest rate in writing.

Cooling off period & your right to cancel
You have the right to cancel your policy at any time. If your policy is cancelled within 14 days of receiving your
documents, (as long as your vehicle has not been written off as a result of a claim under your insurance), your insurer
will either make a proportionate charge or their minimum charge. Details of the charges can be found in your policy
wording. EISL will also charge £40.00 to cover the administration of your policy.

If your policy is cancelled after the 14 day period, your insurers will charge in accordance with their scale which will be
shown in their policy wording. We will charge £50.00 to cover our administration costs. The full premium will be charged
if there has been a claim on your policy.
If you fail to pay your monthly instalments, we will cancel your policy. We will also cancel your policy if we are requested
to by your insurers. We will send written notice to your last known address before your policy is cancelled. This will be
sent by standard post delivery service.

For full details on how to cancel your policy please call us on 0800 197 7089.

Renewals
If you are paying for your insurance by instalment plan, we will normally renew all your motor policies unless you have
asked us not to. We may, at our discretion, choose not to automatically renew if you have an unpaid balance or have
had any difficulty in making your payments.

If you have a payment due after we send the renewal invitation letter to you, and this is not paid, your policy(s) may not
be automatically renewed. In this case, you will need to contact us to discuss the renewal of your policy.

We will write to you before the renewal date to explain what will happen and to let you know what the policy terms and
new payments will be.

Any renewal premium quoted only applies provided no claim happens or is reported after the renewal quotation is issued.

Renewal is invited as long as the insurer has been told of any change that may affect the risk since original application or
last renewal, including, but not limited to: change of address; change of use; change of occupation for any driver; any
convictions, fixed penalty offences, pending prosecutions, serious illness and / or disability of any known drivers; change
of or additional drivers (particularly those under 25 years of age); any modifications or engine conversions to the insured
car.

What to do if you have a complaint?
If you wish to register a complaint, please contact us:

         ...by phone     on 0800 197 7089
         ...in writing   to Express Insurance Services, 22 Old Walsall Road, Hampstead, Birmingham B42 1DT
         ... by email    to the Customer Relations Department at customerrelations@kfis.co.uk

If we cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

Your insurer(s) are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be
entitled to compensation if they are unable to meet their obligations to you. Further information about this is available
from the FSCS.

Your Payment
For the total price of your insurance, please see your welcome letter. We always show your total premium(s) including
Insurance Premium Tax. We are not aware of any other taxes payable on your insurance policy(s). We will not pay you
the amount of any interest that we earn from investing your money before paying it to your insurer.

When insurance monies are paid to us, we act as agent of the insurer/policy provider when holding this money before



EISL/TOBA/05052011
paying it onto them (premiums) or you (claims). Where you have selected to pay by a payment plan, the annual
premium will be paid to your Insurer by EISL and is funded by Close Premium Finance. Failure to make instalment
payments may ultimately lead to the cancellation of your policy(s). By allowing us to arrange your insurance, you agree
to any amounts you may owe us, or our debt recovery agency, being deducted from any premium refund due to you.

Your Duty of Disclosure
It is an offence to make false statements or withhold information to get motor insurance. If you don’t tell us about all
material facts, your insurance could be invalid and not give protection in the event of a claim. In particular you should tell
us about all accidents and claims (whether your fault or not and whether you claimed or not). If you are in any doubt
about whether to tell us about something, please ask us about it.
You have a duty to tell us about any changes to your circumstances. In particular you must call us before you change
your vehicle or if you move address. For other examples of changes you should tell us about, please see your policy
document.
Note: You should keep a record (including copies of letters) of any information supplied to us.

Important Information – Driving Other Vehicles
No guarantee of Driving Other Cars cover can be given. You should check your Certificate of Motor Insurance when you
receive it, to see if you have this cover. Please do not assume that it is included.

Claims & uninsured losses
If your vehicle is involved in an incident, or you wish to make a claim, please call 0800 197 7089. EISL or our claim
administrators will, where appropriate, authorise solicitors to act on your behalf in connection with your uninsured loss
claim, and will conduct that claim on your behalf.

Data Protection Act
The information you give to us, including sensitive personal information such as convictions, is passed to the insurer(s) of
your policy(s).

What Your Insurer Does With Your Information

      They use this information for underwriting purposes, to service your policy, and for statistical and administration
      purposes. Insurers may also carry out a credit reference check whenever you make a change to your policy or
      when you renew it. They may share your information with other organisations such as their reinsurers (for
      reinsurance purposes) and claims handling companies (for the supply of claims services). These organisations
      may not use your information for purposes other than those stated.
      Your insurer may use third party organisations to carry out audits on their behalf. This will only happen if a
      confidentiality agreement is in place between your insurer and the organisation. Your insurer may pass your
      personal data to other companies for processing on their behalf. Some of these companies may be based outside
      Europe in countries which may not have laws to protect your personal data, but in all cases they will make sure that
      it is kept securely and only used for the purposes for which you have given it. Details of the companies and
      countries involved can be given to you on request.
     Insurers pass information to and use various databases to help check the information given and also to prevent
     and find fraud. Information relating to your insurance policy will be added to the Motor Insurance Database ("MID")
     managed by the Motor Insurers’ Bureau ("MIB"). MID and the data stored on it may be used by certain statutory
     and/or authorised bodies including the Police, the DVLA, the DVLANI, the Insurance Fraud Bureau and other
     bodies permitted by law for purposes not limited to but including :
      I.   Electronic Licensing
     II.   Continuous Insurance Enforcement;
    III.   Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
    IV.    The provision of government services and or other services aimed at reducing the level and incidence of
           uninsured driving.

     If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or
     the MIB may search the MID to obtain relevant information.
     Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident
     (including citizens of other countries) may also obtain relevant information which is held on the MID.
     It is vital that the MID holds your correct registration number. If it is incorrectly shown on the MID you are at risk of
     having your vehicle seized by the Police. You can check that your correct registration number details are shown on




EISL/TOBA/05052011
     the MID at www.askmid.com
What We Do With Your Information

    We use your information to service your policy, and for statistical and administration purposes.
    We may allow our auditors, finance providers and the FSA access to your information as part of an audit process or
    in order for them to facilitate their rights or obligations.
    If there is an unpaid balance on your account, we will pass your details to a debt collection agency for them to collect
    this amount on our behalf.
    We will allow any named driver, or your spouse/partner to make changes to your policy on your behalf. As part of
    this process we will confirm your details with them. If you do not wish this, please call us on 0800 197 7089, and we
    will note our records. Please note, only you can cancel your insurance policy or change your address. No-one else
    can do this on your behalf, but we will allow your spouse/partner or any named driver to cancel your policy if they are
    setting up a new one through us immediately on your behalf, eg with a different insurance company.
    We may record and monitor calls for the protection of both you and us, and to maintain our high standards.

To tell you about our other products and special offers which could save you money, we will contact you in the future
(including by e-mail if you give your e-mail address), and may share your contact details with other carefully selected
companies as well as other companies within the Ageas Group, which includes Express Insurance Services Limited and
other holding companies, subsidiaries and other linked companies. If you don't want this, please call us on 0800 197
7089.




EISL/TOBA/05052011

				
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